Accepting Credit Cards Online

Accepting Credit Cards Online

Taking payments is really important so we make it easy

 

Why pay transaction fees twice. With eCorner you pay your bank or payment provider the transaction fees for your credit card based sales but you do not pay eCorner any transaction or revenue based fees. If you use a payment method like bank transfer, cash or invoice then you pay no transaction fees unlike other online shop providers.

 

supported payment methodssupported payment methods

 

We work closely with these local and international payment providers to give you a range of the best options available.


accept credit cards or PayPal online safely

eWAY

eWAY for eCorner merchants

  • If you are in Australia, New Zealand or South East Asia
  • If you are selling in Australian Dollars or other local currencies
  • If you want to settle to any major Australian Bank or most Local Banks
  • If you want to offer deferred payments
  • Would like to provide tokenised card payments to allow a one-click solution for repeat customers

SecurePay

SecurePay for eCorner merchants

  • If you are in Australia
  • If you are selling in Australian Dollars
  • If you want to settle to any major Australian Bank
  • Used SecureFrame fully PCI DSS Compliant
  • Contact eCorner if you want to use SecurePay with ePages
  • Request more information about SecurePay.

ZipPay_3

Want to start offering Buy Now, Pay Later from zipPay?

Why zipPay?

  • Simple mobile sign up, real time approval for your customers
  • Allow your customers to access up to $1,000 (or even $10,000 with zipMoney) to shop with you
  • Offer your customers a faster, more flexible way to pay
  • Increase conversion and sales by up to 40%
  • zipPay is 100% interest free. No hefty late fees.

Sign up now

eCorner supports Payment Express

Payment Express for eCorner merchants

  • If you want a proven and feature rich platform used by most major merchants in Australasia
  • If you want an affordable partner with no set up or annual license fees
  • If you would like to use any of the major banks in Australia (Banking Connectivity)
  • If you want a customisable solution with maximum uptime
  • Request the Payment Express offer code now.

PayPal

  • If you want a simple and affordable solution
  • If you don’t have a Merchant Account and want to get started quickly
  • If you are selling in many countries and want to accept multiple currencies
  • If you want to offer a quick checkout to your buyers
  • Apply for a PayPal account now

 

WorldPay

  • If you are international
  • If you are selling in many currencies
  • If you want to settle to a foreign or local bank account but do not have a Online Merchant Account
  • Apply for a WorldPay account now

transaction network services TNS

  • If you have (or want) an Online Merchant Account with Westpac, Commonwealth Bank, NAB, Suncorp, Citibank or ANZ
  • If you have more advanced requirements for selling online (B2B, B2C)
  • Apply for a TNS account now

ePages Supports Many International Payment Providers

If you are interested in selling in a foreign country and currency then we will have a gateway that will suit your needs. We support many overseas providers like Skrill, Authorize.net and Google Checkout.

Contact eCorner for more information.


EUROPE

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USA

authorize_net-logo.png    Google_Wallet.png

Do I need a special bank account or facility?

Yes, generally you will need to setup an Online Merchant Bank Account with your bank. The payments made by credit card will be sent to that account. Generally your bank will charge you a setup fee and maybe a monthly or annual fee. Additionally you will pay a percentage of each card transaction, generally between 1% - 2% for MasterCard and Visa. American Express and Diners Club may charge additional fees.

If you use PayPal Standard or Express Checkout then you do not need an Online Merchant Account with your bank and you can send you funds from PayPal to any account.

Each payment provider (or gateway) will have a different fee structure and you can expect to pay either a percentage of each card transaction or a fixed fee for every transaction. A good tip is to check out the rates for volume transactions as often if you pay a little more upfront you can reduce your transaction fees considerably.

Please note that the setup of your merchant account and transaction fees are subject to your agreement with your payment provider and bank.

If you don't need fully automated credit card processing, have a look at the manual payment methods available with all our stores.

 

Which payment gateways are supported by your bank?

Each payment gateway service will have agreements with different banks and provide different levels of service. So it is best to contact a few and get the most up to date information about their current offers and costs.

 

Why use a payment gateway or payment service provider?

The key reason that you would use a payment service provider is security and trust. When you accept credit cards online your bank or PayPal will require that your website comply to the Payment Card Industry Data Security Standards (PCI DSS). These are a set of standards that have been defined by the card industry companies like Visa and MasterCard. Failure to comply with these standards may mean that your merchant account facility would be cancelled and that you pay penalty fees. By using a payment provider most (but not all) of the responsibility for the PCI DSS requirements goes to them.

 

Do I need an SSL Certificate?

eCorner provide a shared SSL certificate through COMODO that is used by all the Cloud Shops that we host as a free service. However if you want to reduce the shopping cart abandonment and also offer a higher level of trust you may need your own SSL Certificate. You can get these from eCorner and we can install them on your eCorner hosted eCommerce store.

Your payment provider will also ensure that there is an SSL Certificate covering any pages that are hosted by them and that those pages and servers are PCI DSS compliant.

eCorner now also provides all-of-site HTTPS for all eCornerStores with a private SSL certificate.

 

What about fraud?

Online fraud is increasing dramatically everywhere. The best protection against online fraud is to enable a payment gateway and validate each order that your receive. Never ship your goods for an order if you are concerned that it might be a fraud. You should always ask for a contact phone number and have it as a mandatory requirement. If in doubt call. If you use PayPal there is a setting in your PayPal control panel that will make a phone number mandatory.

Some payment gateways have fraud checking built in such as eWAY's Beagle and PayPal. Even so you may get some potential fraudulent transactions. So make sure you always check each transactions details. If the sales seems too good to be true it probably is not valid.

PayPal and all the payment gateways come with a management system where you can process refunds to card holders.